We are a global financial technology organisation providing banking, payments, foreign exchange, and digital asset infrastructure through a unified platform. Our technology enables businesses to move, manage, and access funds across multiple currencies, payment networks, and jurisdictions through a single integration.
Operating across multiple regulated markets, we support a diverse portfolio of enterprise clients and process significant transaction volumes annually.
- Develop, implement, and maintain the organisation's fraud risk management framework, including associated policies, standards, and procedures.
- Provide second-line oversight of fraud risks across the business, ensuring fraud risks are appropriately identified, assessed, managed, and mitigated by first-line teams.
- Conduct fraud risk assessments across products, customer segments, payment channels, and operational processes to identify vulnerabilities and emerging risks.
- Monitor fraud trends, typologies, and emerging threats within the payments and financial services sector, ensuring controls and mitigation strategies remain effective.
- Review and challenge fraud prevention and detection controls implemented by operational teams, including transaction monitoring rules, fraud detection systems, and preventative safeguards.
- Provide oversight of fraud rule implementation, tuning, and optimisation to ensure controls remain effective while minimising operational friction.
- Maintain quality assurance and quality control frameworks covering fraud-related activities conducted by first-line teams.
- Perform independent reviews of fraud alert handling, investigations, and case management processes to ensure compliance with internal policies and regulatory expectations.
- Assess whether fraud cases are appropriately identified, escalated, investigated, and resolved, identifying opportunities for improvement where necessary.
- Identify control weaknesses, process gaps, and enhancement opportunities to strengthen fraud prevention and detection capabilities.
- Ensure fraud risk considerations are embedded within new products, services, payment flows, and technology changes.
- Work closely with Product, Technology, Operations, Compliance, and Risk teams to assess and mitigate fraud-related risks during business change initiatives.
- Develop and maintain fraud risk reporting, dashboards, key risk indicators (KRIs), and management information for senior leadership and governance committees.
- Analyse fraud data and trends to identify systemic issues, emerging threats, and opportunities to strengthen the control environment.
- Escalate material fraud risks, control weaknesses, and emerging threats through appropriate governance channels.
- Support internal audits, regulatory reviews, and independent assurance activities relating to fraud risk management.
- Maintain awareness of evolving regulatory expectations, fraud typologies, and industry best practices.
- Act as a subject matter expert on fraud risk and provide guidance to stakeholders across the business.
- Collaborate with Fraud Operations, Compliance, Risk, Transaction Monitoring, Product, and Operations teams where fraud risks intersect with broader financial crime risks.
- 10–15 years' experience in fraud risk management, financial crime, payments risk, or related disciplines within financial services, fintech, banking, or payment institutions.
- Significant experience in a senior management or leadership role with responsibility for fraud oversight and governance.
- Experience operating within a second-line risk, compliance, oversight, assurance, or control-testing function.
- Strong understanding of fraud typologies relevant to payments and digital financial services, including payment fraud and authorised push payment (APP) fraud.
- Experience developing, implementing, or overseeing fraud risk frameworks, risk assessments, and control environments.
- Experience conducting quality assurance reviews, control testing, or oversight of fraud investigations and operational fraud processes.
- Strong analytical capability with experience interpreting fraud data, identifying trends, and assessing control effectiveness.
- Experience with fraud detection platforms, transaction monitoring systems, or fraud rule engines is advantageous.
- Excellent stakeholder management skills, including the ability to provide constructive challenge while maintaining collaborative relationships.
- Strong written and verbal communication skills with experience presenting risk insights to senior management and governance forums.
- Ability to operate effectively in a fast-paced and evolving environment.
- Strong organisational skills with the ability to manage competing priorities and deadlines.
- Experience coaching, mentoring, and delivering training to colleagues and stakeholders.
- Strong problem-solving skills, attention to detail, and commercial awareness.
- Excellent interpersonal and relationship-building skills.
- Annual professional development and training allowance.
- Cycle-to-work and travel support schemes.
- Fitness and wellbeing allowance.
- Employee discount platform.
- Competitive pension scheme.
- Private health, dental, and life insurance.
- Complimentary office refreshments and regular social events.
- Generous annual leave entitlement, including public holidays, birthday leave, and volunteering days.
